Coverage D: Loss of Use



This covers LOSS of use for covered property and is designed to maintain normal standard of living while your home is being repaired or restore. This coverage can pay for Hotel or temporary housing, meals, laundry expenses or additional living expenses and transportation until you can move back into your home.



Coverage C: Property Coverage



Personal Property protects your personal items if they are damaged, destroyed or stolen. Coverage C can cover items in home and away from home. If you are moving today, the items in your moving truck or belongings taken with you is your personal item



Endorsements

or Riders



An Insurance rider or amendment. This is a written change to your policy by changing, adding or excluding coverage without having to replace the entire policy. Endorsements can increase or decrease premium depending on the type of policy changes being made.

Policy Coverage Deductibles





Your deductible is the amount you pay out of pocket before your homeowners insurance starts paying for your covered claim. There are various types of deductibles and keep in mind that the lower the deductible the higher the cost and the higher the deductible the lower the cost.

Coverage F: Medical Payments



Medical Payments to others helps the home owner pay for minor expenses if someone is accidentally hurt on your property regardless of who was at fault. It can cover Emergency room visits, doctor visits, ambulance services even x-rays. This coverage is intended for smaller injuries.

Coverage E: Personal Liability



This coverage provides financial protection if held legally responsible for causing bodily injury to someone else or damaging another person's property. This may cover legal defense cost if sued, medical expenses judgements or settlements up to the policy limits.

Coverage B: Other Structures



This covers the structures on your property that are not attached to your home if the property becomes damaged by a covered peril. This is usually a percentage of your coverage A Limit. This can include detached garages, sheds or storage buildings, fences, gazebos, detached workshops, etc.

Coverage A: Dwelling Limits

This covers the physical structure of your home if it is damaged by a covered peril, such as windstorm, lightning, fire or vandalism. This protect the Home's walls, foundation, roof, built in appliances & cabinets. This also attached structures which can include garage or decks. This usually has a maximum coverage